In April 2016, San Antonio experienced what is now considered the costliest hailstorm in Texas history, with damage exceeding $2 billion. That storm, plus additional hailstorms that rolled through the area a few days later, left cars and roofs hammered into a mess of twisted metal and broken glass. Unfortunately for some homeowners, they found out that not all of the hail damage was covered by their insurance. If you live in or near San Antonio, TX, you need to call a local insurance company like Access Insurance Services to see exactly what coverage you have and what you need to get.

Some Coverage but Not Complete Coverage

Your average home insurance policy in Texas should cover at least some hail damage. The Texas Department of Insurance notes that policies usually cover hail, wind, and hurricane damage in general — but hail damage to plants and trees is often not covered. That can create an expensive mess for homeowners if a hail-damaged tree needs to be removed from their yard, for example. No one wants the tree to fall and create more damage, but removing those can be expensive if there’s no insurance coverage to help out.

The solution is to go over your home insurance with your agent and see exactly what hail-related situations would trigger coverage. Sometimes it’s just a matter of increasing your general coverage; if you’re paying higher premiums for more coverage, your insurance company may be more likely to cover additional hail damage and preventative actions. You might find you have to add a rider to your insurance specifically to cover hail, instead.

Give your insurance agent a call; if you can’t get adequate coverage there, contact Access Insurance Services, serving San Antonio, TX, to discuss a comprehensive policy.